Recently, the reporter learns all right from Guang Dayin, this retail clientele already broke through 100 million to close greatly at present. Building ” top-ranking fortune runs a bank ” the strategy leads, guang Dayin explores mode of new retail development actively all right, it is a center with the client, weigh model channel, product and service, accelerate ” nimble, science and technology, zoology ” transition. Guang Dayin builds Internet collaboration channel actively all right, compose is built change on digitlization, line obtain guest new pattern; Drive priority discipline and business be born, provide diversity, specializationed banking service for the client; Dedicated business flow is optimized and serve efficiency to promote, the intelligence that accelerates business site is changed, light-duty change transition. Defeat 100 million kinetic energy: Thorough Internet channel wins a customer, drive priority discipline be born, increase science and technology to endow with can in recent years Hua Tian hotel comes to lotus of Heng Yang county, guang Dayin passes peaceful rural area all right 3 peaceful big public house how with Baidu, A in, Tecent, Beijing east, the Internet head platform such as sina cooperates, serve the professional finance of the flow dominant position of Internet and bank ability photograph union, extend actively business is turned on the line, promote the sale on the line capability. Current, guang Dayin wins a customer through the channel on the line all right 11.98 million. Rely on priority discipline and business, guang Dayin develops compensation acting hair, tripartite adequately to put canal, fund all right the client of the project such as mandatory, finance going abroad guides action. “Firewood Yue stewards ” platform of service of sauna of hotel of Dai Si of city of China of integrated finance Changsha is compensation generation to send a client to offer exclusive those who change is one-stop integrated service; With leaving the country setting is rely on, of smooth big bank ” cloud going abroad ” business mode is individual client and collaboration business door is offerred before leaving the country in hind, fluctuation going abroad swims finance going abroad serves the whole technological process of industrial catenary. In addition, guang Dayin still increases science and technology to endow with all right can, use new technology of financial science and technology, upgrade intelligence serves channel, the priority discipline such as workbench of manager of PAD of the develop outside advancing intelligent bar, shift, client, smooth big supermarket is built. In December 2018, the telephone call of hotel of bank network lotus that Guang Dayin has supermarket pattern first times all right averages a point formerly — ” partner customer is easy ” start business of Guang Dachao town, smooth big supermarket besides can conduct commercial bank business, compositive still the product of other company below division of smooth big group and service. Deepen transition: “The name is tasted ” construction of project, digitlization, client digs Changsha day heart invite applications for a job of sufficient bath technician digs this world of clear of hotel of international of Ou Xiang government office and force of setting finance volley suffers macroscopical economy to adjust, interest rate is commercialized wait for an element to affect, in recent years, space of profit of business of commercial bank convention is reduced ceaselessly, put the difference that shift interest to close continuously narrow. Change to answer market environment, many commercial bank increases retail trade Wu to throw, drive transition of retail trade Wu. Begin from last year, guang Dayin quickened business transition pace apparently all right, obtain better result. Data of the newspaper in 2019 shows, smooth big bank is retail the client deposits money 6, ninety-four billion five hundred and sixty-four million yuan, than going up year end increases ninety-nine billion five hundred and thirty-four million yuan, grow 16.73% . Retail trade Wu contributes business income twenty-seven billion and thirty-six million yuan, relatively the corresponding period grew 5.428 billion yuan last year. Gross of assets of illicit travel client 3, fifty-four billion seven hundred and sixty-seven million yuan, than going up year end increases thirty-four billion six hundred and nine million yuan, grow 10.81% . 2019 first half of the year, guang Dayin lends the accumulative total that write down card hairpin all right 6, seven million one hundred and thirty-four thousand four hundred pieces, add two million and fifty-four thousand four hundred pieces newly in those days; Hairpin of credit card accumulative total 6, six million eight hundred and sixty-three thousand three hundred pieces, add hairpin newly in those days 6.336 million pieces; Client of APP of mobile phone bank is broken through 3, 4.3 million. Comply with superintendency requirement and vicissitude of the market, reasonable attune liquidates smooth big bank money product structure, build system of net value product, around ” 7 colour sunshine ” series product, extend continuously sell business continuously, at the same time layout sells goods on a commission basis business. As China most big public house of lotus of Taiyuan small shop opens type capture greatly to expend platform which, smooth big bank ” cloud capture is expended ” life circle, management circle, government affairs is made encircle 3 big setting continuously since this year, the project is received maintain rapid growth, bed of mark of business affairs of hotel of Hua Jingli of the making love that be not duty, traffic cloud implementation is broken through mainly, continue to maintain the market lead dominant position. “Sunshine borrow ” accelerate business change on the line, intensive is changed and intelligence changes construction, the peaceful countryside where that new E borrows business flow to realize mobile phone shift to carry can massage inn client ” one-stop ” loan serves, the sale on promotion line and wind accuse efficiency. Weigh model banking ceaselessly in financial science and technology the instantly of voice, big public house of Bin Liuyang river books Sha Kai of smooth big silver-colored president this base hotel room price also is advancing digitlization to build continuously. Bar of intelligence of smooth big bank is at present migratory already 9 into bar business function, the service efficiency that promoted rain effectively site of apartment of type of hotel of beautiful sitting room; Outside the develop outside support of develop PAD system is active sale, enlarged business to handle range; Search of intelligence of the line on mobile phone bank, speech recognition, 1000 people the function such as customer service of 1000 face, video, improved client intelligence to serve an experience. In addition, guang Dayin still strengthened the ability clear such as computation of big data, cloud, biology identifying, artificial intelligence all right the research of art of princess of invite applications for a job of in relief Ktv and application. Extend new client group, dig latent capacity client, promote a client quality, also be smooth big bank the important facet of retail transition. For this, smooth big bank sends force continuously in 5 respects, include lotus to press down which hotel to see chute drive a project to guide continuously client, maintain high value client to grow smoothly; Play cloud capture expends a name to taste sale action, promotion user to the client change rate; Town of perfect and retail lotus does poineering work model of grading of client of big public house, achieve administration of client complete lifecycle; Advance construction of retail system platform, achieve client picture and intelligent sale; Strengthen linkage of the enterprise inside the group, share resource, stimulative business grows in coordination. In addition, mu of lukewarm heart of lotus of smooth big Changsha is in retail Taiyuan city to bank of Spa of front courtyard of honour a person of extraordinary powers catenary of focusing E-SBU zoology is returned to build in transition of level of order of banquet of marriage of L of northward lotus hotel, do solid setting banking. Carry integrated smooth big group inside of all kinds resource, rich client serves a means, from integrated finance, setting finance two method drive catenary of zoology of client of fortune E-SBU individual to build, make chain of illicit travel zoology around client of high net value namely; Make chain of mobile banking modes of life and relation to their environment around long end client; Make chain of zoology of cloud going abroad around setting going abroad; Make travel zoology chain around travel setting; Around life capture cost setting makes cloud living modes of life and relation to their environment chain of hotel of business affairs of impression of peaceful country city. Rain spends chief the Changsha City related smooth big bank the hotel expresses feeling of countryside of Lai of dream of the road in area hole well, did not come to smooth big bank to still will build client decentralized management actively to serve a system, executive client lifecycle administers a plan, compose is built it is Ning Xiangxin and sufficient bath with the client how the stage in intelligent sale of the center, enhance a client to serve ability continuously, optimize business to accept flow and channel, raise what the client serves to finance to be able to get gender and satisfaction to spend, the advantage that promotes finance the service is spent and enclothe rate, the financial product that allows smooth big bank and service benefit reach more clienteles.